The U.S. Bank Cash Plus categories for bonus cash back include fast food, department stores, home utilities and more. At the start of every quarter, U.S. Bank Cash+ cardholders can select 2 categories they’ll earn 5% cash back on (up to $2,000 spent), along with one category they’ll earn 2% cash back on. All other purchases earn 1% cash back. If you don’t select your cash back categories each quarter, you won’t receive the bonus cash back.
Cardholders can activate their new Cash Plus bonus categories 45 days before the start of each quarter, and up to 5 days before the quarter ends. Keep in mind that if you wait to activate, you won’t get the bonus cash back for purchases you already made. You only receive the extra cash back once you’ve activated your bonus categories. There are separate categories for the 5% cash back and 2% cash back earning rates.
U.S. Bank Cash Plus 5% Categories (2019):
- Fast food
- Furniture stores
- Ground transportation
- Car rentals
- Select clothing stores
- Department stores
- Sporting goods stores
- Movie theatres
- Cell phones
- Electronic stores
- Home utilities
Once you’ve reached the $2,000 limit for the 5% categories, you’ll just earn the regular 1% cash back rate for the rest of the quarter. The 5% categories tend to be more specific than the 2% ones, but there are many more of them. The U.S. Bank Cash Plus 2% categories usually are groceries, gas stations and restaurants.
While all of these bonus categories are subject to change, they really haven’t in recent years. That, combined with the flexibility of being able to change your bonus categories every few months, is why the US Bank Cash+ credit card is a popular pick among people with great credit.
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